Thrivent Federal Credit Union Mortgage Rates, Fees & Info

Appleton, WI

LEI: 549300WW4OBT30G5DK23

Tax ID: 46-1316895

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Thrivent Federal Credit Union is a smaller credit union specializing in Refi, Cash Out Refi, and Home Purchase loans. Thrivent Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Minneapolis, Chicago, Appleton, Phoenix, and San Diego among others. We have data for 249 markets. (Some data included below & more in-depth data is available with an active subscription.)

Thrivent Federal Credit Union has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Thrivent Federal Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	6.46%	4/21/24
30 Year Conventional Refi	6.37%	4/21/24
30 Year Cash-out Refi	6.51%	4/21/24
30 Year VA Purchase	6.66%	4/21/24
15 Year Conventional Purchase	6.16%	4/21/24
15 Year Conventional Refi	6.05%	4/21/24
15 Year Cash-out Refi	6.05%	4/21/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Thrivent Federal Credit Union Mortgage Calculator

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This is not an official calculator from Thrivent Federal Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

1,286

Origination Dollar Volume (All Markets)

$258,690,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	207	$44,095,000	$213,019	$2,927	3.48%
Outside of Metro Areas	99	$14,935,000	$150,859	$2,766	3.27%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	65	$11,015,000	$169,462	$2,842	3.38%
APPLETON, WI (FHA\|USDA\|VA)	67	$10,405,000	$155,299	$2,369	3.26%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	35	$9,345,000	$267,000	$3,438	3.29%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	10	$8,330,000	$833,000	$4,867	3.21%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	21	$8,035,000	$382,619	$4,028	3.33%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	15	$7,225,000	$481,667	$4,093	3.21%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	30	$7,020,000	$234,000	$3,224	3.46%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	24	$6,490,000	$270,417	$4,568	3.42%
Alexandria, MN (FHA\|USDA\|VA)	21	$4,085,000	$194,524	$3,143	3.20%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	15	$3,225,000	$215,000	$3,626	3.59%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	6	$2,860,000	$476,667	$3,584	3.42%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	12	$2,780,000	$231,667	$3,914	3.55%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	16	$2,650,000	$165,625	$2,643	3.27%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	20	$2,510,000	$125,500	$2,079	3.67%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	10	$2,390,000	$239,000	$5,265	3.39%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	16	$2,350,000	$146,875	$2,841	3.64%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	9	$2,305,000	$256,111	$3,630	3.29%
OSHKOSH-NEENAH, WI (FHA\|USDA\|VA)	12	$2,280,000	$190,000	$2,806	3.41%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	11	$2,275,000	$206,818	$2,891	3.61%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	10	$2,210,000	$221,000	$3,514	3.39%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	14	$2,150,000	$153,571	$3,974	3.44%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	2	$2,030,000	$1,015,000	$4,588	2.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	8	$1,930,000	$241,250	$2,484	3.89%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	10	$1,910,000	$191,000	$3,270	3.19%
SAVANNAH, GA (FHA\|USDA\|VA)	12	$1,880,000	$156,667	$2,953	3.11%
GREEN BAY, WI (FHA\|USDA\|VA)	11	$1,845,000	$167,727	$2,743	3.33%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	9	$1,815,000	$201,667	$2,952	2.94%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	9	$1,735,000	$192,778	$3,087	3.51%
MADISON, WI (FHA\|USDA\|VA)	10	$1,680,000	$168,000	$3,655	3.09%
DULUTH, MN-WI (FHA\|USDA\|VA)	10	$1,560,000	$156,000	$2,604	3.24%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	7	$1,555,000	$222,143	$3,553	3.70%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	9	$1,555,000	$172,778	$2,655	3.48%
TUCSON, AZ (FHA\|USDA\|VA)	7	$1,545,000	$220,714	$3,788	3.13%
BOISE CITY, ID (FHA\|USDA\|VA)	3	$1,505,000	$501,667	$5,322	3.13%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	5	$1,495,000	$299,000	$4,015	3.35%
RACINE, WI (FHA\|USDA\|VA)	10	$1,380,000	$138,000	$2,084	3.40%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	8	$1,290,000	$161,250	$3,431	3.78%
FORT COLLINS, CO (FHA\|USDA\|VA)	6	$1,290,000	$215,000	$3,528	2.98%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	6	$1,270,000	$211,667	$3,743	3.19%
GAINESVILLE, GA (FHA\|USDA\|VA)	3	$1,215,000	$405,000	$2,535	4.04%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	8	$1,210,000	$151,250	$2,513	4.14%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	8	$1,200,000	$150,000	$2,846	3.61%
GULFPORT-BILOXI, MS (FHA\|USDA\|VA)	4	$1,180,000	$295,000	$2,951	4.09%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	4	$1,170,000	$292,500	$4,217	3.16%
ROCHESTER, MN (FHA\|USDA\|VA)	5	$1,065,000	$213,000	$2,828	3.75%
LANCASTER, PA (FHA\|USDA\|VA)	7	$1,025,000	$146,429	$2,745	3.96%
WAUSAU-WESTON, WI (FHA\|USDA\|VA)	6	$990,000	$165,000	$2,310	3.39%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	6	$950,000	$158,333	$3,052	4.60%
COLUMBUS, OH (FHA\|USDA\|VA)	7	$915,000	$130,714	$2,538	3.70%
ASHEVILLE, NC (FHA\|USDA\|VA)	4	$910,000	$227,500	$4,557	3.22%
Shawano, WI (FHA\|USDA\|VA)	4	$890,000	$222,500	$2,549	4.03%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	4	$850,000	$212,500	$2,956	4.22%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	3	$845,000	$281,667	$3,737	4.00%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	3	$825,000	$275,000	$5,106	3.00%
Watertown-Fort Atkinson, WI (FHA\|USDA\|VA)	5	$805,000	$161,000	$2,624	3.08%
MANHATTAN, KS (FHA\|USDA\|VA)	3	$765,000	$255,000	$2,894	3.75%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	4	$720,000	$180,000	$3,135	3.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	3	$685,000	$228,333	$2,242	3.91%
Brainerd, MN (FHA\|USDA\|VA)	5	$665,000	$133,000	$2,171	3.27%
FOND DU LAC, WI (FHA\|USDA\|VA)	3	$665,000	$221,667	$3,269	3.41%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	4	$660,000	$165,000	$2,522	4.22%
ST. CLOUD, MN (FHA\|USDA\|VA)	4	$660,000	$165,000	$3,693	3.25%
LA CROSSE-ONALASKA, WI-MN (FHA\|USDA\|VA)	4	$640,000	$160,000	$2,547	3.00%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	3	$635,000	$211,667	$3,545	3.38%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	2	$630,000	$315,000	$3,128	2.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	4	$620,000	$155,000	$2,441	2.91%
RENO, NV (FHA\|USDA\|VA)	2	$620,000	$310,000	$4,133	3.25%
Morehead City, NC (FHA\|USDA\|VA)	2	$610,000	$305,000	$3,446	2.88%
Fergus Falls, MN (FHA\|USDA\|VA)	3	$605,000	$201,667	$3,177	3.00%
SALISBURY, MD-DE (FHA\|USDA\|VA)	3	$595,000	$198,333	$3,886	2.88%
RICHMOND, VA (FHA\|USDA\|VA)	1	$575,000	$575,000	$3,900	3.25%
EL CENTRO, CA (FHA\|USDA\|VA)	4	$570,000	$142,500	$2,649	3.72%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	2	$560,000	$280,000	$3,449	3.19%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	3	$555,000	$185,000	$3,331	2.92%
Willmar, MN (FHA\|USDA\|VA)	3	$555,000	$185,000	$2,288	3.96%
BOULDER, CO (FHA\|USDA\|VA)	2	$550,000	$275,000	$3,547	3.06%
MEDFORD, OR (FHA\|USDA\|VA)	2	$550,000	$275,000	$4,435	3.13%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	3	$535,000	$178,333	$4,280	3.37%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	3	$525,000	$175,000	$3,091	2.96%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	2	$520,000	$260,000	$2,972	3.00%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	1	$505,000	$505,000	$5,088	2.63%
BELLINGHAM, WA (FHA\|USDA\|VA)	1	$505,000	$505,000	$4,634	3.00%
NILES, MI (FHA\|USDA\|VA)	3	$495,000	$165,000	$2,891	3.21%
Stevens Point, WI (FHA\|USDA\|VA)	2	$490,000	$245,000	$3,741	3.50%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	3	$475,000	$158,333	$3,411	2.96%
Menomonie, WI (FHA\|USDA\|VA)	2	$470,000	$235,000	$3,220	2.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	3	$465,000	$155,000	$2,522	3.46%
GREELEY, CO (FHA\|USDA\|VA)	2	$460,000	$230,000	$4,288	3.19%
TOLEDO, OH (FHA\|USDA\|VA)	4	$450,000	$112,500	$3,238	2.97%
Payson, AZ (FHA\|USDA\|VA)	2	$440,000	$220,000	$3,446	3.25%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	4	$430,000	$107,500	$1,991	3.59%
TULSA, OK (FHA\|USDA\|VA)	2	$430,000	$215,000	$4,167	3.31%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	2	$420,000	$210,000	$3,129	2.88%
MANKATO, MN (FHA\|USDA\|VA)	3	$415,000	$138,333	$2,786	3.25%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	3	$415,000	$138,333	$2,639	4.04%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	1	$415,000	$415,000	$3,025	3.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	2	$410,000	$205,000	$3,836	2.94%
HOT SPRINGS, AR (FHA\|USDA\|VA)	1	$405,000	$405,000	$3,541	2.75%
GRANTS PASS, OR (FHA\|USDA\|VA)	1	$405,000	$405,000	$6,974	3.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	2	$400,000	$200,000	$3,303	3.06%
Moscow, ID (FHA\|USDA\|VA)	2	$390,000	$195,000	$3,006	3.25%
JANESVILLE-BELOIT, WI (FHA\|USDA\|VA)	6	$390,000	$65,000	$2,280	3.52%
AKRON, OH (FHA\|USDA\|VA)	2	$390,000	$195,000	$4,367	3.25%
Red Wing, MN (FHA\|USDA\|VA)	2	$390,000	$195,000	$3,392	3.06%
Whitewater, WI (FHA\|USDA\|VA)	2	$390,000	$195,000	$2,496	3.06%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	2	$380,000	$190,000	$3,763	2.88%
FARGO, ND-MN (FHA\|USDA\|VA)	1	$375,000	$375,000	$4,566	3.13%
WENATCHEE, WA (FHA\|USDA\|VA)	1	$375,000	$375,000	$6,208	2.50%
VISALIA, CA (FHA\|USDA\|VA)	2	$370,000	$185,000	$2,984	2.88%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	3	$365,000	$121,667	$2,479	4.66%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	2	$360,000	$180,000	$3,046	3.00%
JOHNSON CITY, TN (FHA\|USDA\|VA)	2	$350,000	$175,000	$3,845	3.25%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	1	$345,000	$345,000	$2,843	2.75%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	3	$345,000	$115,000	$2,087	3.83%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	4	$340,000	$85,000	$1,781	4.93%
CHEYENNE, WY (FHA\|USDA\|VA)	1	$335,000	$335,000	$5,145	3.00%
Albert Lea, MN (FHA\|USDA\|VA)	1	$335,000	$335,000	$3,335	2.88%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	2	$330,000	$165,000	$1,574	3.43%
Torrington, CT (FHA\|USDA\|VA)	1	$325,000	$325,000	$5,344	2.88%
MODESTO, CA (FHA\|USDA\|VA)	2	$320,000	$160,000	$2,252	3.06%
Marinette, WI-MI (FHA\|USDA\|VA)	4	$310,000	$77,500	$1,480	3.72%
Brookings, SD (FHA\|USDA\|VA)	2	$310,000	$155,000	$1,870	3.75%
MISSOULA, MT (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,310	3.13%
SIOUX FALLS, SD (FHA\|USDA\|VA)	2	$300,000	$150,000	$2,683	3.19%
Beaver Dam, WI (FHA\|USDA\|VA)	2	$300,000	$150,000	$2,568	2.88%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	2	$300,000	$150,000	$3,199	3.56%
LINCOLN, NE (FHA\|USDA\|VA)	2	$300,000	$150,000	$2,842	3.13%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	4	$300,000	$75,000	$2,170	4.93%
MANCHESTER-NASHUA, NH (FHA\|USDA\|VA)	2	$300,000	$150,000	$2,827	3.19%
BLOOMINGTON, IN (FHA\|USDA\|VA)	2	$300,000	$150,000	$1,609	4.56%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	1	$295,000	$295,000	$3,702	3.13%
Durant, OK (FHA\|USDA\|VA)	2	$290,000	$145,000	$4,376	3.06%
COLUMBIA, SC (FHA\|USDA\|VA)	3	$285,000	$95,000	$2,170	3.33%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	1	$275,000	$275,000	$5,310	3.63%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	1	$275,000	$275,000	$2,922	2.88%
MORRISTOWN, TN (FHA\|USDA\|VA)	1	$275,000	$275,000	$4,380	3.75%
ROCKFORD, IL (FHA\|USDA\|VA)	2	$270,000	$135,000	$2,020	3.38%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	2	$270,000	$135,000	$3,275	3.44%
Sikeston, MO (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,118	3.88%
Mason City, IA (FHA\|USDA\|VA)	1	$265,000	$265,000	$5,710	4.13%
ANN ARBOR, MI (FHA\|USDA\|VA)	2	$260,000	$130,000	$2,183	4.25%
WACO, TX (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,496	3.25%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	2	$250,000	$125,000	$2,310	3.13%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	2	$240,000	$120,000	$2,695	3.13%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	2	$240,000	$120,000	$3,209	3.25%
COLUMBIA, MO (FHA\|USDA\|VA)	1	$235,000	$235,000	$2,651	3.13%
GETTYSBURG, PA (FHA\|USDA\|VA)	1	$235,000	$235,000	$4,157	3.63%
FRESNO, CA (FHA\|USDA\|VA)	1	$235,000	$235,000	$3,670	2.88%
Batesville, AR (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,345	3.00%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$4,703	3.00%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	1	$225,000	$225,000	$7,130	2.75%
LAFAYETTE, LA (FHA\|USDA\|VA)	2	$220,000	$110,000	$2,115	5.12%
SPRINGFIELD, MA (FHA\|USDA\|VA)	2	$220,000	$110,000	$1,483	4.68%
TWIN FALLS, ID (FHA\|USDA\|VA)	1	$215,000	$215,000	$7,105	3.25%
Sanford, NC (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,122	3.25%
FAIRBANKS, AK (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,271	2.75%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,213	3.63%
Faribault-Northfield, MN (FHA\|USDA\|VA)	2	$210,000	$105,000	$2,133	3.87%
TOPEKA, KS (FHA\|USDA\|VA)	2	$210,000	$105,000	$2,633	3.25%
Lake City, FL (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,948	2.75%
SPRINGFIELD, MO (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,260	2.88%
LEBANON, PA (FHA\|USDA\|VA)	1	$205,000	$205,000	$4,573	2.75%
NAPA, CA (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,548	3.00%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	2	$200,000	$100,000	$2,290	3.50%
THE VILLAGES, FL (FHA\|USDA\|VA)	1	$195,000	$195,000	$4,369	3.13%
Jacksonville, TX (FHA\|USDA\|VA)	1	$195,000	$195,000	$4,473	3.13%
Sterling, CO (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,754	3.25%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,005	3.13%
Brenham, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,242	3.38%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,098	2.63%
KANKAKEE, IL (FHA\|USDA\|VA)	1	$185,000	$185,000	$5,464	3.25%
BILLINGS, MT (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,037	3.38%
BAY CITY, MI (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,964	3.13%
Jefferson, GA (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,953	3.50%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,602	3.13%
LaGrange, GA-AL (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,880	3.00%
Decatur, IN (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,579	3.38%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	1	$175,000	$175,000	$5,393	3.25%
Hutchinson, MN (FHA\|USDA\|VA)	2	$170,000	$85,000	$2,522	3.19%
OCALA, FL (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,567	3.38%
Marshalltown, IA (FHA\|USDA\|VA)	1	$165,000	$165,000	$4,250	3.50%
EVANSVILLE, IN-KY (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,240	3.00%
POCATELLO, ID (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,497	3.38%
Findlay, OH (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,619	3.13%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,519	3.38%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,175	3.00%
ELIZABETHTOWN-FORT KNOX, KY (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,310	2.63%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,258	3.25%
Winona, MN (FHA\|USDA\|VA)	1	$155,000	$155,000	$1,887	2.75%
Statesboro, GA (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,298	2.88%
SPRINGFIELD, OH (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,234	3.00%
Oneonta, NY (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,357	3.00%
Branson, MO (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,532	3.00%
Bozeman, MT (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,145	2.88%
JOPLIN, MO (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,495	2.75%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	1	$135,000	$135,000	$1,615	2.75%
Red Bluff, CA (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,552	3.75%
FLINT, MI (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,824	3.25%
PITTSBURGH, PA (FHA\|USDA\|VA)	3	$135,000	$45,000	$1,491	3.71%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,025	3.25%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,062	3.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,555	3.38%
Marshall, MN (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,615	2.75%
KNOXVILLE, TN (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,395	3.25%
Fredericksburg, TX (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,803	2.75%
SHEBOYGAN, WI (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,411	3.13%
Astoria, OR (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,647	3.38%
EAU CLAIRE, WI (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,170	2.38%
Albemarle, NC (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,477	3.75%
Sandusky, OH (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,680	3.00%
MONROE, MI (FHA\|USDA\|VA)	1	$115,000	$115,000	$1,685	2.75%
STAUNTON, VA (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,560	2.75%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	1	$105,000	$105,000	$1,848	3.13%
Fairmont, MN (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,117	3.25%
Gallup, NM (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,140	2.75%
Crossville, TN (FHA\|USDA\|VA)	1	$105,000	$105,000	$1,767	2.63%
STOCKTON, CA (FHA\|USDA\|VA)	1	$105,000	$105,000	$1,925	2.88%
WARNER ROBINS, GA (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,625	3.38%
JACKSON, MI (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,492	3.00%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$95,000	$95,000	$1,914	2.63%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	3.63%
ROCHESTER, NY (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,906	3.50%
BRUNSWICK, GA (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,211	3.13%
Kill Devil Hills, NC (FHA\|USDA\|VA)	1	$95,000	$95,000	$1,677	3.00%
LAWTON, OK (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,230	2.88%
BAKERSFIELD, CA (FHA\|USDA\|VA)	2	$90,000	$45,000	$1,304	5.18%
ST. JOSEPH, MO-KS (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,130	3.00%
Lawrenceburg, TN (FHA\|USDA\|VA)	1	$85,000	$85,000	$1,839	2.88%
Bartlesville, OK (FHA\|USDA\|VA)	1	$85,000	$85,000	$3,175	3.25%
Pontiac, IL (FHA\|USDA\|VA)	1	$75,000	$75,000	$2,058	3.13%
Manitowoc, WI (FHA\|USDA\|VA)	1	$75,000	$75,000	$2,245	3.25%
Batavia, NY (FHA\|USDA\|VA)	1	$75,000	$75,000	$2,529	3.25%
SAGINAW, MI (FHA\|USDA\|VA)	1	$65,000	$65,000	$459	4.74%
Roseburg, OR (FHA\|USDA\|VA)	1	$65,000	$65,000	$1,964	3.00%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,217	2.75%
JACKSONVILLE, FL (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,317	4.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	1	$65,000	$65,000	$418	5.99%
Yankton, SD (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,238	2.75%
Outside of Metro Areas	1	$55,000	$55,000	$239	4.99%
Hannibal, MO (FHA\|USDA\|VA)	1	$45,000	$45,000	$1,731	2.75%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	1	$35,000	$35,000	$625	5.74%
FLORENCE-MUSCLE SHOALS, AL (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	4.50%
KOKOMO, IN (FHA\|USDA\|VA)	1	$25,000	$25,000	$299	5.24%
FORT SMITH, AR-OK (FHA\|USDA\|VA)	1	$25,000	$25,000	$630	4.49%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	1	$25,000	$25,000	$611	5.49%
YUMA, AZ (FHA\|USDA\|VA)	1	$25,000	$25,000	$550	4.99%
Paragould, AR (FHA\|USDA\|VA)	1	$15,000	$15,000	$545	4.49%

Thrivent Federal Credit Union's top markets include Minneapolis, Chicago, Appleton, Phoenix, and San Diego among others.

Their top states include:

Minnesota (FHA|USDA|VA)

Wisconsin (FHA|USDA|VA)

California (FHA|USDA|VA)

Arizona (FHA|USDA|VA)

Georgia (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,267	$253,525,000	$200,099	$3,000	3.42%
VA	19	$5,165,000	$271,842	$5,964	2.96%

For 2020, Thrivent Federal Credit Union's most frequently originated type of loan was Conventional, with 1,267 originations. Their 2nd most popular type was VA, with 19 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	441	$88,645,000	$201,009	$2,900	3.10%
Cash Out Refi	350	$76,010,000	$217,171	$3,423	3.27%
Home Purchase	289	$68,295,000	$236,315	$3,715	3.35%
Other	119	$17,065,000	$143,403	$1,939	4.25%
Home Improvement	87	$8,675,000	$99,713	$1,595	4.58%

For 2020, Thrivent Federal Credit Union's most frequently cited loan purpose was Refi, with 441 originations. The 2nd most popular reason was Cash Out Refi, with 350 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	636	$160,450,000	$252,280	$3,643	3.29%
15 Year	458	$66,790,000	$145,830	$2,365	3.46%
20 Year	104	$22,630,000	$217,596	$3,344	3.21%
10 Year	52	$5,120,000	$98,462	$1,341	4.37%
5 Year	17	$495,000	$29,118	$503	4.92%
3 Year	10	$310,000	$31,000	$467	3.82%
Other	9	$2,895,000	$321,667	$6,236	2.85%

For 2020, Thrivent Federal Credit Union's most frequently cited loan duration was 30 Year, with 636 originations. The 2nd most popular length was 15 Year, with 458 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	638	$112,730,000	$176,693
$2k-3k	270	$92,640,000	$343,111
$<1k	267	$17,945,000	$67,210
$3k-4k	43	$13,985,000	$325,233
$4k-5k	22	$6,820,000	$310,000
$5k+	18	$10,890,000	$605,000

Thrivent Federal Credit Union's average total fees were $3,643, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 638 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	664	$151,600,000	$228,313
2.5-3%	455	$93,055,000	$204,516
4-5%	68	$6,210,000	$91,324
5-6%	43	$2,525,000	$58,721
6-7%	25	$1,055,000	$42,200
<2.5%	18	$3,460,000	$192,222
7-8%	9	$355,000	$39,444
Over 8%	3	$165,000	$55,000

During 2020, Thrivent Federal Credit Union's average interest rate for loans was 3.29%, while their most frequently originated rate bucket for loans was 3-4%, with 664 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	508	$75,750,000	$149,114	$2,792	3.16%
$200k-400k	404	$111,120,000	$275,050	$3,966	3.22%
$100,000 or less	280	$15,710,000	$56,107	$1,394	4.20%
$400k-600k	66	$30,950,000	$468,939	$4,999	3.18%
$600k-1MM	23	$16,565,000	$720,217	$5,249	3.11%
$1MM+	5	$8,595,000	$1,719,000	$7,074	3.03%

2020 saw Thrivent Federal Credit Union place emphasis on $100k-200k loans with 508 originations, totaling $75,750,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	293	$62,045,000	$211,758	$3,198	3.43%
$50k-75k	279	$43,395,000	$155,538	$2,807	3.37%
$75k-100k	239	$43,275,000	$181,067	$3,009	3.40%
$50k or less	210	$26,340,000	$125,429	$2,529	3.40%
$150k-250k	196	$54,530,000	$278,214	$3,508	3.47%
$250k+	61	$27,255,000	$446,803	$3,871	3.30%

Thrivent Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 293 originations. The second most popular income band? $50k-75k, with 279 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	345	$64,635,000	$187,348	$2,886	3.33%
30-36%	208	$44,590,000	$214,375	$3,052	3.46%
<20%	202	$36,800,000	$182,178	$2,799	3.16%
40%	51	$11,345,000	$222,451	$3,183	3.69%
37%	51	$10,245,000	$200,882	$3,384	3.62%
42%	47	$8,135,000	$173,085	$2,760	3.59%
36%	45	$10,045,000	$223,222	$3,487	3.45%
41%	39	$8,875,000	$227,564	$3,251	3.43%
39%	35	$8,825,000	$252,143	$4,192	3.46%
38%	34	$7,040,000	$207,059	$2,913	3.46%
49%	31	$6,615,000	$213,387	$3,300	3.36%
47%	28	$6,250,000	$223,214	$3,471	3.35%
44%	28	$5,710,000	$203,929	$3,333	3.46%
45%	25	$5,375,000	$215,000	$3,442	3.33%
43%	25	$6,245,000	$249,800	$3,160	3.39%
48%	22	$4,570,000	$207,727	$3,561	3.15%
46%	21	$3,265,000	$155,476	$2,557	3.69%
>60%	21	$4,975,000	$236,905	$2,643	3.79%
50-60%	20	$3,300,000	$165,000	$2,765	4.31%

Thrivent Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 345 originations. The next most common DTI ratio? 30-36%, with 208 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,092	$214,140,000	$196,099	$3,002	3.38%
Not provided	142	$33,470,000	$235,704	$3,263	3.41%
Black	23	$5,285,000	$229,783	$4,148	4.00%
Asian	12	$2,400,000	$200,000	$2,503	3.79%
Not applicable	6	$1,250,000	$208,333	$0	4.13%
American Indian	6	$950,000	$158,333	$1,997	4.25%
Other Asian	1	$555,000	$555,000	$5,324	3.50%
Native Hawaiian or Islander	3	$445,000	$148,333	$2,845	3.04%
Asian Indian	1	$195,000	$195,000	$3,779	3.00%

Approval Rates

Total approvals of all applications
91.72%

Thrivent Federal Credit Union has an average approval rate.

Pick Rate

Approvals leading to origination
72.32%

Thrivent Federal Credit Union has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	1,286	$258,690,000	$201,159

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	1	$415,000	$415,000
Single Family (1-4 Units):Manufactured	9	$845,000	$93,889
Single Family (1-4 Units):Site-Built	1,276	$257,430,000	$201,748

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	146	$19,380,000	$132,740	$2,415	3.43%
40-60%	289	$57,315,000	$198,322	$2,982	3.07%
60-80%	482	$118,460,000	$245,768	$3,420	3.25%
80-100%	225	$55,415,000	$246,289	$4,060	3.22%
Over 100%	2	$520,000	$260,000	$5,074	3.13%
Under 20%	138	$6,280,000	$45,507	$866	4.99%

Complaints

Bank Name	Product	Issue	2020 CPFB Complaints	% of Total Issues
THRIVE MORTGAGE, LLC	Conventional home mortgage	Closing on a mortgage	2	28.6%
THRIVE MORTGAGE, LLC	FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	3	42.9%
THRIVE MORTGAGE, LLC	FHA mortgage	Closing on a mortgage	1	14.3%
THRIVE MORTGAGE, LLC	Other type of mortgage	Closing on a mortgage	1	14.3%